About Us

The Life Company

Remember you are never too young to buy life insurance, since the younger you are the lower the cost… Call us today on Telephone # 221-5143 for us to guide you through this process

Our Mission

To provide Secure and Competitive insurance products adapted to the needs of our customers, making use of the latest technology whilst delivering a professional, efficient and personalized service based on a strong financial and ethical foundations.

Our Vision

To be a leading “world class” insurer in Belize, satisfying the ever changing needs of our customers with integrity and innovation, providing continuity for clients, shareholders, employees and the community.

Core Values

Our ‘Core Values’ are the foundation of what we do. Everything we do is built upon our ‘Core Values’ to deliver a consistent high-quality experience to our clients, staff and stakeholders. These ‘Core Values’ underpin our determination in delivering in accordance with our Mission and Vision.

ACCOUNTABILITY We establish Trust with our clients by delivering on our promise

INTEGRITY We conduct our business in a Fair and Straightforward way guided by strong moral uprightness

RESPECT We treat each person with Respect by understanding and honouring all

Our History

RF&G Life Insurance is a subsidiary of G.A. Roe and Sons, one of the largest and most successful groups of companies in Belize. The core business of RF&G Life Insurance is the provision of insurance coverage for Life and Medical Insurance. The birth of the Roe Group of Companies was marked by the purchase of an insurance agency, Horncastle (British Honduras) Ltd., from the H. Melhado Company by Mr. Gordon A. Roe, in 1963. A few years later, in 1970, G. A. Roe & Sons Ltd. established an insurance company called Fire and General Assurance Company of Belize Ltd. To carry on the operations of the agency business, G.A. Roe & Sons (Insurance Services) Ltd. was established in 1975. In 2001, G. A. Roe & Sons (Insurance Services) Ltd. was renamed F&G Insurance Agencies Ltd. The genesis of RF&G Life Insurance Company Limited came in 2005 with the purchase of the Regent Life Insurance book of business by G. A. Roe & Sons and along with the agency’s life and medical insurance line of business. RF&G Life Insurance has since grown with the acquisition of the Belize portfolio of CLICO in 2009 and of the Belize book of life insurance business of Guardian Life and ALICO in 2015.

Board of Directors

Elizabeth Cox


Jerome Palma

Managing Director

Rhonda Lecky


Michael R.Jones


Lawrence Maclaren


Francisco Lopez-Preusse


Stuart Goldsmith


Alasdair M.Roe


Our Team

Jerome Palma


Managing Director

Since joining RF&G Life in July 2010, Jerome has served in integral positions of our operations. He has served as the Company’s Actuarial Analyst, Actuarial Manager, and General Manager. As of October 2020, he is the Managing Director of the Company. Jerome oversees all business operations, people, and ventures of the Company and has direct overview of the day to day activities of all areas. He is responsible for carrying out the strategic plan in keeping with the Mission, Vision, and Core Values of the Company. Jerome holds a Master of Science in Actuarial Science with distinction from Heriot-Watt University, Edinburgh, United Kingdom. He is an Associate Actuary of the Institute and Faculty of Actuaries and the Caribbean Actuarial Association.

Majiba Acuna


Financial Controller

Mejiba heads up the accounting department with a combined 20 years of experience in accounting and auditing in the insurance industry.

She directly oversees the preparation of the company’s financial reports, guides financial decisions, establishes, monitors and enforces accounting policies and procedures within the department. Mejiba is also responsible for ensuring that all accounting allocations are appropriately made and documented.

Jennifer Cal


Operations Manager

Jennifer leads our Policy Services and Systems Operations teams working along with our software developers and programmers to ensure our Insurance Systems provide technological solutions with an integrated approach to policy administration.

She possess over 15 years of Insurance Industry experience in several areas that has allowed her to develop in her career. Astute in the employment of her public relations and marketing skills and in maintaining good customer relations, she is always ready to serve. Jennifer is trained in evaluating and analyzing risk and is a Certified Underwriter. She has earned the Fellow, Life Management Institute (FLMI) and Associates Customer Service designations (ACS) which are substantial steps in the insurance industry and essential to the Company.

Lenna Williams


Claims/Provider Relations Manager

With over twenty years’ experience in management, Mrs. Lenna Williams oversees the claims management and governance ,to ensure claims are processed in a timely manner, in compliance with regulatory, legal and fiduciary responsibilities set out by the company.

Denise Longsworth


Business Development Manager

Denise leads our Insurance Advisors in growing our portfolio while providing excellent customer service to our esteemed clients. Working in sales in the financial sector since 1995, both as a Financial Sales Solution Advisor and Manager of a sales team, she administers the sales and conservation activities with her team and oversees the Company’s marketing initiatives. Complimenting her years of experience, sales and leadership training, Denise possesses a degree in Business from St. John Junior College.

Sales Unit Manager

RF&G Life has an extensive network of knowledgeable Agents available to provide solutions to your Life and Health insurance needs.


Sales Unit Manager

Immanuel is passionate about relationship building because he feels this is the best way to serve his clients. As he would say, “The only way we can know how to help is if we are there consistently to listen and ask the right questions”.

Immanuel has been recognized as Agent of the Month and Gold Member Honor Club among others. Whilst pursuing the Master Financial Advisor Designation, he was considered a Champion Master Financial Advisor by the Senior Strategic Consultant, Executive Coach at Limra. He continues his development with The American College of Financial Services and certification training to stay abreast with the Anti Money Laundering and Terrorism Protection Act.

Immanuel graduated from The University of Belize with a Degree in English. Because of his community involvement and character, he was appointed a Justice of the Peace in 2012. He was the youngest to be awarded the honour to serve.

Immanuel enjoys family gatherings and engaging in self-development resources. Immanuel has one daughter, Yemaya, who wants to be like “Moana.” He currently resides in Belize City but spends a lot of his free time in the River Valley Area.



RF&G Life has an extensive network of knowledgeable Agents available to provide solutions to your Life and Health insurance needs.



Deon Robinson is an Insurance Advisor for RF&G Life Insurance Company since 2020. Deon provides his clients with knowledgeable services of Life and Health insurance that helps them to protect their finances for themselves and family. Deon is passionate about financial services because of the satisfaction he knows his clients can have some peace of mind from their investment in the various life and health products he offers. 

Deon Robinson has been recognized in the sales industry several times, as the Salesperson of the year for Canon products some years ago, to recently becoming Group Agent of the Quarter at RF&G Life Insurance Company. He graduated from Belize Technical College with an Associate’s in Electrical Engineering. After two years, he realized his passion for helping people was greater.

Deon resides in Belize City and enjoys spending time with family, playing basketball, volleyball, watching movies, or pastoring at his local Church. 

Ricardo Magana



Ricardo is originally from the northern border town of Corozal. He is a true stalwart in the Life Insurance Industry, having worked in the Life insurance business for the past 31 years. Ricardo has qualified several times for international conventions and three times for the prestigious million dollar round table. For Ricardo, the Life Insurance business is far more than just a career. He believes it’s a calling.

Dishon Smith



Dishon enjoys serving our customers with quality experiences and providing the best solutions to satisfy our customers’ insurance needs. With a degree in Business Management and Science, Dishon has over 7 years of experience in the insurance industry, both in Sales and Management.

Magdalene Okondo



Magdalene is an Insurance Advisor specializing in both Group and Individual business. She has over 19 years of experience within the industry, including 8 years as Unit Manager in charge of 8 to 10 agents. Magdalene obtained her advance level education at Midwest College, where she earned several accomplishments and awards and has taken several successful courses both as agent and on managerial level. Skills and knowledge acquired over the years has been the backbone of her success in her career. She is a single mother with one daughter. Her hobbies include traveling and listening to music.

Marsha Samuels



Marsha Samuels-White has a passion for finding solutions to match her customer’s individual needs.  She graduated with an Associate’s Degree from St. John’s Junior College after which she worked as a dedicated Public Servant for 15 years. Determined to make a difference, she transitioned to working with the United Nations and United Nations Children’s Fund (UNICEF). Amongst her experiences she gained knowledge and skills as a Sales Consultant. Her goal is to foster and build strong positive relationships with her customers, ensure customer’s stability and to add to RF&G Life’s positive reputation. She commits to continued assistance with the development of our customer’s by contributing her years of fruitful experience, and delivering efficient and effective service.

Mayeli Hoy



Mayeli holds a degree in Hotel & Catering and Business Management. She is also pursuing a degree in Accounting. She enjoys working very closely with her customers and understanding their needs in order to give the best recommendations and financial advice. Mayeli has been one of the top Advisor’s since she entered the insurance business. She has won several prestigious awards in the insurance industry such. As a Sales Leader she qualified and attended the 32nd Annual Sales Congress in Jamaica in April 2018. She’s married and the mother of two children.

Shantel Lofter



Shantel has been in the Insurance industry for the past twelve years. She believes that personalized service is essential when matching clients with the right financial security products and services. As a caring advisor she is dedicated to learning about clients personal goals. She has studied Business Management and Economic and some LUTCF courses. She enjoys socializing with family and friends, helping her community, traveling to new beautiful countries and discovering new cultural life styles. Most of all she loves taking care of her clients financial needs and providing sound financial security for each of her clients.




Melissa Skeen has been an Insurance Advisor for RF&G Life Insurance Company since 2020. She prides herself in providing sound financial advice to her clients on the variety of life & health insurance policies to secure their future. For the past eight years in the sales industry, satisfying her clients’ needs is her gratification. She gifts her clients a peace of mind and joy. As an insurance advisor, she explores their insurance plan options and matches the plan that best satisfies their needs and concerns. 

Melissa is the mother of a beautiful little girl who she cherishes more than life itself. Being introduced into this industry and having a child made Melissa realize how important it is to have the security of insurance protection. Her daughter’s future and health lie in her hands. Melissa enjoys spending time with her daughter and taking trips with her whenever she can in her free time.

Maria Coyi



Maria Coyi, born in Trinidad & Tobago was educated at UWI, then earned a Master’s Degree in Educational Leadership from the University of North Florida, U.S.A.  Mrs. Coyi served as Vice-Principal of St. Catherine Academy and later became the Headmaster of S.J.C. in 2007, becoming the first female to hold that position.  A Past President of the Rotary Club of Belize, her experience spans Banking positions both at Scotiabank in Trinidad & Belize, to Senior Supervisor, Currency Dept. at Central Bank of Belize, and having retired, now an Insurance Advisor with RF&G Life (formally with Guardian Life).

Maria Riveroll



Over the past two decades Maria has worked as an insurance agent for several companies. As a self-employed business woman, she has engaged in different businesses which have enriched her work ethics and knowledge. Her interest in her clients’ financial well -being led her to participate in several designation courses which will eventually accredit her as a Financial Advisor. Her hard work has been frequently acknowledged by the different companies she has represented. As an insurance advisor, her clients have always given an excellent recommendation on her behalf.




As an Insurance Advisor, George is committed to listening to his client’s needs and utilizing his keen communication skills to build a relationship with them. He focuses on providing insurance solutions to existing and future Life Insurance policyholders,

Raised in the village of Ladyville, George understands the numerous intangible benefits of life and its vast diversity. George graduated from St. John’s College Junior College with an Associate’s Degree in Business Administration. He then continued his studies and graduated from the University of Belize with a Bachelor of Science in Marketing. 

In the Life Insurance profession, what makes George successful is not the mastery of knowledge, but how well he can connect with the public, he tries to help. Still a current Ladyville resident, he is well connected and actively involved in his community. His contacts and life-long residency leverage his enthusiasm and allow others to build their trust in George as their Insurance Agent.

His heart of gold and unbridled enthusiasm shines brightly outside of work.




Kevin Peralta was born on September 8, 1979, in the beautiful village of San Felipe, Orange Walk District. Being the eldest son, he has six brothers and a sister. Kevin was born into a kind, honest and most importantly, loving family. Kevin is a proud graduate of Muffles Junior College with a Major in Mathematics.

Kevin is a strong member of Christ of Knight (Knight of Christ) in his Catholic Church, and in his spare time enjoys fishing and watching soccer. For 21 years, Kevin dedicated himself to the teaching profession at the primary and secondary levels. During his career, he has been recognized with wondrous awards.

In October of 2020, Kevin embarked on yet another journey. After the passing of his father, Carlos Peralta Sr., Kevin decided to continue the legacy of his father as an advisor for RF&G Life Insurance. Co. Ltd, which has become a fruitful experience.